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Signs You May Need Help With Debt

You do not have to miss a payment to realize something needs to change. Sometimes the first sign is that you are paying your bills on time, but there is very little left for everything else.

Does any of this sound familiar?

• You are struggling to make your credit card payments each month.
• You are paying only the minimum and seeing little progress on your balances.
• You are using savings or a credit card to cover everyday expenses.
• You are moving money around or putting off one bill to pay another.
• You are unsure how much you owe across all your accounts.
• You are receiving calls or letters about past due payments.
• You are feeling stressed or arguing about money more often.

Let’s take a look at your options

Our counseling is free and confidential. A counselor can review your income, expenses, and debts with you and help you understand your options. For some people, a budget is enough. For others, a debt management program may help lower interest rates and combine payments into one monthly amount.